Credit Score through SavvyMoney

Credit Score and More, which is offered for free through our partnership with SavvyMoney, helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported. 

You can enjoy this convenient feature on both Online Banking and the Bluestone Bank Mobile App.
 

Accessing Credit Score and More is easy! Simply log in to your Online Banking account or the Bluestone Bank Mobile App. From there, you can activate the Credit Score module by selecting 'Show my Score' and then accepting the disclosure, giving you access to your credit score, full credit report, credit monitoring, financial tips, and education –  all without impacting your credit score.

Yes. Credit Score and More will monitor and send email alerts when there has been a change to your credit profile.

Credit Score and More is entirely free to Bluestone Bank customers.

No! Credit Score and More is a "soft inquiry" which does not affect a credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for loans. 

The credit score will be updated every seven days and displayed in Online Banking and within the Bluestone Bank Mobile App. You can click "refresh score" as often as every day for an updated credit score. 

Credit Score and More make it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Bluestone Bank Credit Score and More user can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score and More. Transunion will share this with the other bureaus if the inaccuracy is verified.

Three major credit reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.

No, Bluestone Bank will not use the information in Credit Score and More to make any loan decisions. Bluestone Bank uses its own lending criteria for making loan decisions.